1. saving and budgeting: learning to save and budget is the basis of financial management. Know how to build contingency reserve arrangement, make a reasonable expenditure plan, and ensure that the money is used in meaningful places.

2. Consumption rationality: cultivate the habit of rational consumption and avoid impulsive shopping and excessive consumption. Understand the impact of purchasing decisions on long-term financial goals, and learn to distinguish between needs and desires.

3. Understanding debt: Understanding the impact and management methods of debt. Use credit cards wisely, learn to plan repayment, and avoid falling into the debt trap of high interest rate.

4. Basic knowledge of investment: Understand the basic concepts of investment and different investment tools, such as stocks, bonds, funds, real estate, etc. Understand the relationship between risk and return, and make appropriate investment decisions according to your risk tolerance.

5. Develop the habit of saving and investing: start saving and investing early, and use the value of time and the compound interest effect to accumulate wealth. Understand different savings and investment options, and make reasonable choices according to your own goals and risk-taking ability.

6. Understand taxation: Understand the basic personal income tax and other related taxes, and how to legally minimize the tax burden. Understand the retirement reserve account (such as IRA, 40 1(k)) and other tax preferential investment methods.

7. Importance of insurance: Understand different types of insurance, including medical insurance, vehicle insurance and property insurance. Understand that the role of insurance is to cope with unexpected risks and provide financial security for you and your family.

8. Understanding inflation: Understanding the impact of inflation on purchasing power. Know how to deal with inflation, such as investing in asset classes that can resist inflation.

9. Understand personal credit: Understand the importance of personal credit and how to establish and maintain a good credit record. Understand the role of credit report and credit score, and learn to monitor and manage your own credit.

10. Continue to study and consult: Financial knowledge is a continuous learning process. Pay attention to the financial sector and investment market, read relevant books and articles, and seek professional advice and suggestions as needed.

Learning and applying these financial knowledge will help young people make wise financial decisions in their daily lives and lay the foundation for future financial stability and success.